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Business, & agriculture finance

Cold Storage and Warehouse Construction Loan

Agri term loan for godowns, dry warehouses, cold storages, cold chains, silos and market yards, from ₹1 lakh to ₹50 crore with up to 120-month term.

Quantum₹1 lakh to ₹50 croreInterest rate1-year MCLR + 2% up to ₹50 lakh; above ₹50 lakh as per bank normsCustomer typeIndividuals, farmer groups, firms, companies, NGOs, SHGs and cooperatives creating agri-storage infrastructure
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Quick eligibility check

Cold Storage and Warehouse Construction Loan

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Individuals, farmer/grower groups, partnership or proprietary firms, companies, corporations, NGOs, SHGs and cooperatives?

Published source: Eligibility

2Are you this type of customer: Individuals, farmer groups, firms, companies, NGOs, SHGs and cooperatives creating agri-storage infrastructure?

Published source: Customer type

3Do you meet this requirement: Application?

Published source: Documents

4Do you meet this requirement: photographs?

Published source: Documents

5Do you meet this requirement: detailed project report?

Published source: Documents

6Document checkDo you have this required document or proof: Application; photographs; detailed project report; original title deeds; property-tax receipts; title investigation report; other sanctioned documents?

Published source: Documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Quantum₹1 lakh to ₹50 croreEffective 5 Feb 2026View source
Minimum Rs 1.00 lakh; maximum Rs 50.00 Crs.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Quantum of Loan
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityAgri term loan for godowns, warehouses, cold stores, cold chains, silos and market yardsEffective 5 Feb 2026View source
For creation of storage infrastructure including godowns, dry warehouses, cold storages, cold chains, silos and market yards.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Purpose and Type of Facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Term and moratorium120 months including maximum 24-month moratorium; equated half-yearly instalmentsEffective 5 Feb 2026View source
Term 120 months including moratorium; equated half-yearly instalments; moratorium maximum 24 months.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Term, Repayment and Moratorium
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rate1-year MCLR + 2% up to ₹50 lakh; above ₹50 lakh as per bank normsEffective 5 Feb 2026View source
Loan limit up to Rs 50 lakhs: 1-year + 200 bp; above as per norms.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Interest Rate
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals, farmer/grower groups, partnership or proprietary firms, companies, corporations, NGOs, SHGs and cooperativesEffective 5 Feb 2026View source
The eligibility list includes individuals, groups, firms, companies, NGOs, and cooperatives.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Margin and collateralMinimum 25% margin; mortgage of land/building and hypothecation of financed assets; collateral nil up to ₹10 lakh under PM MUDRA, nil up to ₹2 lakh for other categories, above ₹2 lakh minimum 25% of loan amountEffective 5 Feb 2026View source
Minimum 25% margin; collateral rules differ for and other categories as published.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Margin and Security
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or business-vintage threshold is published on the complete reviewed official product pageView source
The reviewed pages state customer, activity, land, group, credit-score and account conditions where applicable, but do not publish a turnover or business-vintage threshold for these products.
Source
agriculture product catalogue and linked official product pages
Page / section
Complete product-page review; eligibility and features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Processing feeNot published on the reviewed official cold-storage/warehouse pageEffective 5 Feb 2026View source
The full page publishes amount, term, margin, moratorium, eligibility, rate, security and documentation but no processing-fee amount or formula.
Source
Construction of Cold Storage/Warehouse Scheme
Page / section
Complete fees and charges review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Cold Storage and Warehouse Construction Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeIndividuals, farmer groups, firms, companies, NGOs, SHGs and cooperatives creating agri-storage infrastructureView source
The manually reviewed product record states: “Individuals, farmer groups, firms, companies, NGOs, and cooperatives creating agri-storage infrastructure”.
Source
Cold Storage and Warehouse Construction Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsApplication; photographs; detailed project report; original title deeds; property-tax receipts; title investigation report; other sanctioned documentsView source
The manually reviewed product record states: “Application; photographs; detailed project report; original title deeds; property-tax receipts; title investigation report; other sanctioned documents”.
Source
Cold Storage and Warehouse Construction Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹1 lakh–₹50 crore
  • 120-month term including moratorium
  • Minimum 25% margin
  • 1-year + 2% up to ₹50 lakh

Eligibility

  • Individuals, groups of farmers/growers, partnership/proprietary firms, companies, corporations, NGOs, and cooperatives.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application; photographs; detailed project report; original title deeds; property-tax receipts; title investigation report; other sanctioned documents

Related official documents

Construction of Cold Storage/Warehouse Schemeofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹12,647twelve thousand six hundred forty-seven rupees
Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees
Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

DAY-NRLM Finance · Published amount/limit₹1.50–₹20 lakh

This value is copied from additional agriculture catalogue products — page tables. Check the table notes before relying on it.

Source: agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 5 columnsSBI additional agriculture catalogue products — page tablesStructured transcription of every numeric term, eligibility rule, fee, rate, security and payment condition published on the reviewed product pages.View tableHide table

Scroll sideways to view every column

SBI additional agriculture catalogue products — page tables
ProductPublished amount/limitRate and feesTenure/paymentEligibility/security
DAY-NRLM Finance₹1.50–₹20 lakh7% to 10.40% p.a.; nil chargesTerm 24–84 months; cash credit 12 monthsRural DAY-NRLM active 6 months; no collateral; margin up to 10% above ₹10 lakh
Co-lending individual ₹10,000–₹3 lakh10.50% fixed minimum + servicer fee; 10.50–20.00%; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Direct Linkage to ₹50,000–₹20 lakh14% p.a.; no processing/documentation/inspection fee up to ₹5 lakhTerm 24–60 months; cash credit 36 months6-month , grading/corpus; collateral nil; margin 10% above ₹10 lakh
Finance₹60,000–₹10 lakh12% fixed p.a.; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Multi Purpose Agricultural Gold Loan₹5,000–₹25 lakh8.85% p.a.; processing nil to ₹50,000, then 0.50%/0.30% tiers + 12 monthsFarmers/allied borrowers; pledge of gold ornaments
Combine Harvester Loan₹5–₹35 lakh1-year + 3.50%; 1.50% processing feeHalf-yearly principal-equated instalments; maximum tenure not stated20% margin; land and credit-score rules; documents listed
Animal Husbandry & FisheriesNo minimum ceiling; below ₹50 lakh7% up to ₹2 lakh; effective 4% with prompt repayment; nil to ₹3 lakh then 0.65% + Working-capital cash creditFishery/livestock farmers and groups; collateral waiver up to ₹2 lakh or ₹3 lakh with tie-up
Agri Clinic and Agri Business Centres₹20 lakh individual; ₹1 crore group1-year + 2% up to ₹50 lakh; processing nil to ₹2 lakh then 1.40% + Up to 10 years incl. 24-month moratoriumAge 18–60 eligible agri qualifications; subsidy subject to terms
Polyhouse Loan₹1 lakh–₹5 crore + 2% up to ₹50 lakh; processing as guidelines72 months incl. 12-month moratorium15% margin; assured irrigation; collateral nil up to ₹1.60 lakh
Cold Storage/Warehouse Construction₹1 lakh–₹50 crore1-year + 2% up to ₹50 lakh120 months incl. 24-month moratorium; half-yearly instalments25% margin; broad entity eligibility; published collateral tiers
Rinn Samadhan 2025–26Agri cut-offs ₹10–₹20 lakh5% early-bird incentive; interest/expense concessions10% + 10% + balance within 90 days; scheme ends 31 Mar 2026Specified only; fraud/wilful-default/NCLT and other exclusions
  • Rows preserve the official page values; where a page explicitly gives no numeric maximum (Combine Harvester tenure), that absence is retained rather than inferred.
agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities · accessed 4 Sept 2026Open official source ↗

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